Yeah but a 30-50k limit doesn't have much bearing on your credit scoring 
how can someone reasonably spend that amount on Amazon?
how can someone reasonably spend that amount on Amazon?
@Anonymous wrote:
Yeah but a 30-50k limit doesn't have much bearing on your credit scoring
Gotta know how to work the system.
Max Amazon Card to 50k for a downpayment.
Car loan for the rest.
@austinguy907 wrote:I'm not even sure Disco HP's on a secured but, they're wortwhile moreso than a couple of store cards. It sounds like you're moving in the right direction though with thinking things out a bit more than some. Amazon is always an option down the road with the Visa version through Chase once your scores come up a bit and your file thickens up a bit more.
Back to Disco though.... it might be another secured but, if you time it right they might both graduate at the same time and Disco has been known to POP when it converts and some even see a significant bump to 2-3K.
I just don't want to see you go down the rabbit hole with store cards and then have to ditch them later on because they're useless and don't grow or fit into your portfolio anymore.
Thanks Austin. 
You're right..and everyone else. I guess the only one who got denied by Discover went on an ap spree which is what I don't want to do.
My TU score will update for free at the end of the month. I'm hoping that paying BOA in full before the statement cuts again gives me another jump. It's all I can do really. Since Discover pulls TU, I'll wait until then and will update how that goes.
They can also pull EX when they're reviewing things for an approval. I opened with EX and all of my CLI stuff has been TU based on the score in the online account. Paying things down should give you a pop in the score but, it depends on when they actually report it to the CRA's. Patience is the key to this game called credit
Thanks Austinguy!!
